Know Exactly Where Your
UPI Money Goes
Upload your bank statement PDF and get a complete breakdown of all your UPI spending — by category, merchant, and month. No signup. No bank linking. Results in seconds.
Total UPI Spend · 3 months
₹38,450
9 cats
Zomato
12 orders
₹5,640
Sample report — your data will appear here
Works with all major Indian banks
500M+
UPI users in India
15B+
Monthly transactions
9
Spending categories
<30s
From upload to report
Every Rupee, Categorized
We automatically sort every UPI and IMPS transaction into 9 meaningful categories — down to individual merchants within each.
Food Delivery
Zomato, Swiggy & cloud kitchens
Groceries
Blinkit, Zepto, BigBasket & more
Shopping
Amazon, Flipkart, Myntra & more
Local Shops & Retail
Kirana, vendors & QR-code merchants
Transport
Uber, Ola, IRCTC, FASTag & fuel
Subscriptions
Netflix, Spotify, Hotstar & more
Recharges & Bills
Jio, Airtel, electricity & gas
Transfers
P2P, EMI, rent & investments
Others
Everything else, shown with raw VPA
How It Works
Three steps. No account. Your bank statement stays in your hands.
Download Statement
Open your bank's app or netbanking and download a PDF statement for any time period — 1 month, 3 months, or longer.
Upload Here
Drag and drop your PDF into the upload box. Our engine reads every UPI and IMPS transaction and categorizes each one instantly.
See Your Report
Instantly see charts, category totals, top merchants, and monthly trends. Download a shareable spending card to share with friends.
Your Bank Statement
Never Leaves Your Control
Most financial apps require you to link your bank account and hand over ongoing access. UPI Audit is different — you upload once, get your results, and we immediately forget everything. There is no account, no database, no way for us to access your data after the session ends.
Read how the privacy architecture worksProcessed in RAM, never on disk
Your PDF is held in server memory only. It's never written to hard disk or any storage system.
Zero database, zero logging
There is no database on this server. Transaction data is never logged or persisted in any form.
No third-party API calls with your data
Categorization is done entirely on our server using local rules. Your transactions are never sent to any external service.
What Your Report Looks Like
A complete breakdown with charts, merchant drill-down, and monthly trend — all in one page.
Total Spent
₹38,450
Transactions
142
Avg/Month
₹12,817
Period
3 months
Bank
HDFC
Monthly Spending Trend
Jan
Feb
Mar
Category Breakdown
Sample report — upload your own statement to see your actual data
From the Blog
Guides and tips for Indian UPI users
How Indians Spend via UPI: Patterns Across Age Groups and Cities
How UPI spending behavior differs between college students, young professionals, and families — and what these patterns reveal about financial priorities at different life stages.
23 Jun 2026
GuideHow to Analyze Your Bank Statement to Find Hidden Savings Opportunities
A step-by-step guide to going beyond transaction lists and extracting actionable insights from your bank statement — including how to spot duplicate charges, forgotten subscriptions, and spending leaks.
21 Jun 2026
EducationUPI vs Credit Card Spending in India: Which Is Better for Your Budget?
Comparing UPI and credit card payments for everyday expenses in India — rewards, spend tracking, risk, and which method helps you stay on budget.
19 Jun 2026
Frequently Asked Questions
Ready to See Where Your Money Goes?
Download your bank statement PDF, upload it above, and get your full UPI spending breakdown — free, instant, and 100% private.
Analyze My Statement →No signup · No bank linking · Data never stored
Analyzing your statement…
Reading transactions and categorizing spending